Answer / Pankaj Rana

In finance, pledge, hypothecation, and mortgage are all types of security agreements that involve using an asset as collateral for a loan. Here's how they differ:

1. Pledge: In this arrangement, the borrower gives custody of the asset to the lender without transferring ownership. The lender has the right to sell the asset if the borrower fails to repay the loan.
2. Hypothecation: Similar to pledge, but in hypothecation, the borrower maintains possession of the asset while giving the lender a lien on the asset as collateral for the loan. The borrower is still responsible for any debts related to the asset during the loan period.
3. Mortgage: In a mortgage agreement, the borrower transfers ownership of the property to the lender temporarily until the loan is repaid. Once the loan is paid off, the title is returned to the borrower. If the borrower fails to repay the loan, the lender can sell the property to recover their investment.

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